Public adjusters in Waterford, Michigan.
A third of Waterford Township homes were built before 1960, and around its 34 lakes a new 3,000 square foot house can sit near a 1960s home a third its size. One street can hold two different claims, and a stock estimate fits neither: older plumbing and framing on one, custom finishes on the other.
AdjustFair works only for the policyholder, from our office in Ferndale, about 19 miles to the southeast. We read the policy, document the full loss, price the repair the way a contractor would have to build it, and put that number in front of the insurance company with the proof behind it.
Where claims here get underpaid.
Three kinds of loss stand out on Waterford Township claims, and each one gets shortchanged somewhere different.
- Cars into homes. Drivers keep leaving a curve on Walton Boulevard and hitting houses: in June 2024 a car took out a family's wall and knocked out a gas line, and after a February 2026 crash a neighbor was looking at around $30,000 in structural damage. The insurance company tends to pay for the visible wall and stop there, without opening up the framing, the floor system and the foundation the impact pushed out of line.
- House fires in older homes. In April 2020 three homes near Rossiter Avenue caught fire after a power line came down, and in March 2018 a house on Francesca Drive was a total loss. Smoke moves through the framing and ductwork of a 1950s or 1960s house well past the burned rooms, and it often gets written up as a wipe-down instead of the cleaning, sealing and replacement it actually takes.
- Frozen pipes and overflows. With a third of the housing built before 1960, many Waterford homes have decades-old supply piping and drain lines. A pipe that splits in a cold snap, or an upstairs tub, toilet or sink that overflows, can soak the floors and ceilings below, and water that comes up a floor drain because the home's own line broke is a fill-up that started in the house and usually gets the full policy, not the smaller sewer back-up limit. The plumber's written cause and the first week of drying records usually decide how it is paid.
Five months in, the claim had not moved. Appraisal moved it.
A supply line failed under the kitchen island, and the claim then sat for five months. Documented with DocuSketch and vendor pricing, and resolved at appraisal.
Questions we get here.
A car hit my Waterford house. Whose insurance pays?
Often more than one policy is involved. Every Michigan auto policy includes property protection insurance, which pays up to $1 million for damage a car does to buildings and fences, and your homeowner's policy can come into it too. Which pays what depends on the policies and the facts, so report it to both, keep the police report, and document the damage behind the wall.
Do you handle lakefront homes in Waterford Township?
Yes, and the bigger the house, the more an estimate tends to leave out. Large lake homes and rebuilds often carry custom finishes, bigger rooms and far more contents than a standard estimate assumes, and they often get priced with builder-grade materials. We document what is actually in the house, room by room, and price the repair at that level.
How quickly can someone get to Waterford?
Waterford Township is about 19 miles from our office in Ferndale. When you call the number on this page you will talk with someone who can explain what happens next, what to keep and photograph before anything is torn out, and when an adjuster can be at the house.
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